Normally, you cannot change your medical insurance coverage during the plan year (January 1 through December 31). However, if you are covered by a managed care plan and move outside the plan's service area, you can change your medical insurance choice during the year.

You can choose the Comprehensive Major Medical Plan (CMM), the BCBSM Community Blue PPO plan, or an HMO plan which does provide services within your area. Review the Medical Plan Comparison chart to find the plan right for you. Or, you can enter the zip code for the area where you will be moving into the Medical Plan Navigator to see which plans are available to you.

How to Make the Change
If you move and you need to change your coverage, complete and mail the Moving Out of a Managed Care Service Area form and send it to the HRRIS Benefits Transaction Team. You need to do this within 30 days after the date you move. Your new coverage will become effective the first day of the month after your move.

Important
The medical insurance plans reserve the right to deny claims and terminate coverage if you live outside the service area for 60 days.

Keep in mind that participating physicians (PCPs) and participating hospitals are always subject to change. Contract renewal dates between managed care plans and PCPs vary, and renewal is at the option of either party. In the event your PCP's affiliation with your medical plan ends midway through the calendar year, you will need to select another PCP within your service area. Before enrolling in a new managed care plan, check the provider directory to make sure it includes a doctor of your choice or check that plan's Web site for PCP information. You can also call the physician directly to verify participation in a particular plan.